Single-use, partial and cash-pickup vouchers on a code.
Sometimes the person you're paying has no account, or you want the money spent in a particular way: once, a bit at a time, or collected as cash.
Vouchers put money on a code. Single-use vouchers are spent at once, keep-and-spend vouchers a bit at a time until they're finished, and cash-pickup vouchers are collected as cash with a PIN, a name and a number. Too many wrong PINs lock a voucher, and closing one returns the money to where it came from.
Single-use, keep and spend, or cash pickup.
From the maker's balance; the money is held against the code.
As a code or a QR. The PIN is shown once.
At once, a bit at a time, or as cash with PIN, name and number.
Anything left returns to the maker.
Single-use, keep and spend, and cash pickup.
Share it however suits the person receiving it.
Too many wrong PINs lock the voucher.
Anyone accepting a voucher can check it's good, and how much is on it.
Closing a voucher returns what's left to the maker.
Made, spent, collected and closed arrive as signed webhooks.
Illustrative businesses, not customers. Figures are made up to show the flow.
An NGO supporting flood-affected families in Kogi · NGOs & government
Families have lost documents and many have no bank account. Cash handouts are slow and hard to account for.
Families get cash quickly, and every naira is accounted for.
A family app for Nigerians abroad · Fintechs & neobanks
Users want to send upkeep that a relative can spend over the month, not all at once.
Upkeep lasts the month, and the sender can see it working.
A pharmacy chain accepting vouchers in Kaduna · Merchants & e-commerce
Cashiers can't tell whether a voucher is real or already spent.
No goods handed over for a bad voucher.
Endpoints in the Vouchers API reference, with every parameter and response.
State changes arrive as signed webhooks. How webhooks work
POST /voucher
Bridgecurl -X POST "https://api.bridgemoni.com/voucher" \
-H "Authorization: Bearer $BRIDGEMONI_TOKEN" \
-H "X-Tenant: $BRIDGEMONI_TENANT" \
-H "X-Environment: $BRIDGEMONI_ENV" \
-H "Content-Type: application/json" \
-d '{
"voucherType": "ONLINE",
"amount": 250000.0,
"currencyCode": "NGN",
"description": "March payroll",
"voucherSecret": "text",
"secretRequired": true,
"receiverUserReference": "b3f1c2d4-5e6a-4b7c-8d9e-0f1a2b3c4d5e",
"receiverMsisdn": "+2348012345678",
"receiverEmailAddress": "ada@example.com",
"partialRedemptionAllowed": true,
"maxRedemptions": 1,
"expiryDateTime": "2027-03-14T14:30:01",
"allowedChannels": [
"APP"
],
"idempotencyKey": "text"
}'No. Whoever holds the code and PIN can use it within its kind.
Too many wrong tries lock the voucher.
Close it, and anything left returns to the maker.
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